What are my chances of getting a va or fha loan if i make $50,000 a year after taxes, monthly bills of $500?

bad credit about 3 years ago and cleaned it up this past year with a credit score now of 650 with no debt. My wife is a stay at home mom and does not work but is currently in school with about $ 20,000 in student loans. She will not be on the application. Will they consider that on the loan?

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